2024 Tus sau: Kevin Dyson | [email protected]. Kawg hloov kho: 2023-12-16 23:34
Ua ntej peb tham txog Medigap Plan F vs G, cia peb teb cov lus nug tseem ceeb: "Medigap yog dab tsi?" Thawj Medicare (Tshooj A thiab B) tsis them rau ntau cov nuj nqis, xws li kev them nqi, nyiaj npib, thiab kev txiav tawm. Medigap, qee zaum hu ua Medicare Supplement, yog ib daim ntawv pov hwm uas tuaj yeem cuam tshuam qhov sib txawv no. Nrog Medigap cov phiaj xwm, koj them tus nqi them txhua hli rau lub tuam txhab pov hwm ntiag tug uas tshaj tawm txoj cai raws li cov txheej txheem Medicare.
Muaj 10 qhov sib txawv ntawm cov kev npaj Medigap, ob ntawm uas yog Medigap Plan F thiab Medigap Plan G. Peb tig mus rau tsoomfwv Meskas lub vev xaib rau Medicare los teb koj cov lus nug txog Medigap Plan F vs G.
Medigap Plan F muaj dab tsi?
Ua ntej nkag mus rau hauv Medigap cov ntsiab lus, nws muaj txiaj ntsig los tshuaj xyuas peb cov ntsiab lus yooj yim koj yuav tsum paub.
- Deductible: Ib qho kev txiav tawm yog ib qho nyiaj uas koj them ua ntej Medicare pib them rau cov nuj nqis. Tus nqi txiav tawm rov pib dua txhua xyoo.
- Coinsurance: Xav txog nyiaj npib raws li koj feem ntawm tag nrho cov nqi kho mob tom qab them nyiaj txiav tawm. Coinsurance feem ntau qhia raws li feem pua, 20% piv txwv. Hauv qhov no, Medicare yuav them 80% thiab koj qhov feem yuav yog 20%.
- Kev Them Nyiaj: Kev them nqi yog tus nqi uas koj raug them rau cov kev pabcuam khomob lossis yam khoom. Piv txwv li, koj yuav them tus nqi them mus ntsib tus kws kho mob lossis tau txais cov tshuaj noj. Kev them nqi yog teem rau tus nqi (feem ntau yog $ 10- $ 20), piv rau feem pua.
Cov nyiaj pov hwm, kev txiav tawm, thiab cov nyiaj them poob haujlwm tuaj yeem ua rau cov nuj nqis tawm hauv hnab tsho loj rau koj. Qhov no yog qhov uas Medigap tau txais txiaj ntsig los. Medigap Plan F muab kev them rau cov nqi hauv qab no:
- Pib A nyiaj npib lossis nqi tsev kho mob
- Part A hospice coinsurance lossis copayment
- Part A deductible
- Part B npib nyiaj npib lossis them nyiaj
- Part B txiav tawm
- Part B tshaj nqi
- Nyob hauv tsev tu neeg mob tau txais txiaj ntsig
- ntshav ntshav (thawj peb pints)
- Kev sib pauv txawv tebchaws (80%)
Medigap Plan G muaj dab tsi?
Tus nqi them los ntawm Medigap Plan G yuav luag zoo ib yam rau Plan F, tab sis muaj qhov sib txawv me ntsis. Plan G muaj:
- Pib A nyiaj npib lossis nqi tsev kho mob
- Part A hospice coinsurance lossis copayment
- Part A deductible
- Part B npib nyiaj npib lossis them nyiaj
- Part B tshaj nqi
- Nyob hauv tsev tu neeg mob tau txais txiaj ntsig
- ntshav ntshav (thawj 3 pints)
- Kev sib pauv txawv tebchaws (80%)
Yog li, qhov txawv ntawm Plan F thiab Plan G yog dab tsi? Hais kom yooj yim, Plan G tsis them rau Part B deductible.
Nyob rau xyoo 2021, Tshooj B txiav tawm yog $203. Cov nuj nqis Plan B yog cov kev pabcuam uas tsis yog tsev kho mob tsim nyog. Qhov no suav nrog kev mus ntsib kws kho mob feem ntau, kuaj kev kuaj mob, kev pab kho mob sab nraud, thiab cov khoom siv kho mob ntev, thiab lwm yam.
Pom zoo:
Medigap Plan G vs. Medigap Plan N: Qhov Zoo Rau Koj?
Medigap kev tuav pov hwm yog ib hom kev tuav pov hwm uas muaj 10 txoj kev npaj sib txawv, los ntawm Plan A mus txog Plan N. Cov tuam txhab pov hwm ntiag tug uas muab cov cai no yuav tsum muag lawv raws li tsab ntawv Medicare cov qauv, thiab txhua txoj kev npaj muaj hom tshwj xeeb ntawm kev pab them nqi.
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